host: how do romney and ryan respond to that? guest: they say that because of competition with the increased share of private plans, giving a set amount in check to beneficiaries, that they would be able to save money over the long term. it is very hard to say exactly what the details are right now, because we don't know exactly how it works. but paul ryan's plan, these changes don't have been for happen fordon't another 10 years. he would probably still confront this insolvency issue in 2016, were he to become president and were he to repeal affordable health care act. it would be a big thing for him to deal with halfway through his term. host: gloria, you are next. caller: i would like to talk about the medicare voucher program that you say is a premium support. my thought on this is that the cost of health care insurance is pretty steep. it averages about $800,000 to $100,000 a month for a person to get private health insurance. if they get this out for, you are starting off in all told, -- this voucher, you are starting off i